种族/民族不平等以及抵押贷款贷款中的当代差异
Meghan M O'Neil1, Vincent J Roscigno2
1School of Criminal Justice, Michigan State University, East Lansing, MI, United States of America.
PloS one
|January 14, 2025
概括
种族和民族少数群体面临着持续的抵押贷款贷款差异,影响财富和机会. 在房屋所有权方面的这些不平等,有助于持续的隔离和代际劣势.
科学领域:
- 社会经济研究社会经济研究
- 城市研究是城市研究.
- 住房政策 住房政策
背景情况:
- 存在显著的种族/民族财富不平等,影响了生活机会和机构接入.
- 房屋所有权是财富积累和获得医疗保健和教育等资源的关键因素.
- 以前的研究往往侧重于特定的抵押贷款类型,限制了对差异的全面理解.
研究的目的:
- 调查各种房屋类型,抵押权持有人,目的和贷款顺序的抵押贷款申请中的种族/民族差异.
- 分析邻里种族/民族构成对抵押贷款贷款结果的影响.
- 确定抵押贷款市场持续存在的不平等模式.
主要方法:
- 分析了来自美国最大的100个大都会地区的140多万份不同抵押贷款申请.
- 利用多层次建模来研究种族/民族差异.
- 考虑了所有房屋类型,抵押权持有者,目的和买家贷款顺序.
主要成果:
- 发现了持久的种族/种族不平等,与非西班牙裔白人和亚裔美国人相比,非西班牙裔美国人和西班牙裔美国人面临着不利条件.
- 对于在少数民族高度集中地区寻求住房的申请人来说,也观察到不利因素.
- 高少数民族地区的抵押贷款发行的可能性较小,但越来越多的少数民族集中在地区的黑人/西班牙裔借款人更有可能获得抵押贷款.
结论:
- 抵押贷款贷款仍然是种族/民族不平等的一个重要因素.
- 这些差异使隔离,财富差距和优势/劣势的代际传播延续.
- 解决这些贷款不平等问题对于促进公平的住房和经济机会至关重要.
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